Climate Risk for Zip Code 06790

Financial Exposure & Physical Hazard Analysis

Risk Summary

The primary drivers of climate-related financial risk in zip code 06790 are Inland Flooding, Hurricane, and Cold Wave.

Data SourceFEMA National Risk Index (December 2025 Update)

Understanding the Dollars

Expected Annual Loss (EAL) is a statistical average of property damage for this entire zip code over a standard year across all properties.

/ It represents the "average cost" rather than a guaranteed yearly bill.
/ It can be used to compare the relative risk from different hazards and across different neighborhoods.

Primary Risks

Inland Flooding

$11,299,629

Expected Annual Loss for Zip Code 06790

66.6Score

Very Low compared to US average

Hurricane

$1,588,771

Expected Annual Loss for Zip Code 06790

81.1Score

Relatively Moderate compared to US average

Cold Wave

$429,377

Expected Annual Loss for Zip Code 06790

45.9Score

Relatively Moderate compared to US average

Zip Code Risk Map

Legend

Very Low

Low

Moderate

High

Very High

Extreme

Financial Risk Inventory

MAJOR DRIVER

Inland Flooding

$11,299,629

Score: 66.6

MAJOR DRIVER

Hurricane

$1,588,771

Score: 81.1

MAJOR DRIVER

Cold Wave

$429,377

Score: 45.9

Tornado

$322,981

Score: 38.1

Earthquake

$238,786

Score: 44.0

Strong Wind

$186,302

Score: 52.6

Ice Storm

$158,537

Score: 78.2

Lightning

$86,869

Score: 41.8

Hail

$71,871

Score: 50.1

Heat Wave

$50,856

Score: 6.5

Winter Weather

$25,935

Score: 50.1

Wildfire

$1,683

Score: 40.1

Landslide

$1,290

Score: 60.5

Drought

$799

Score: 16.1

Recommended Mitigation Strategies

Recommended investments to protect your property value and reduce insurance liability based on your local risk profile.

💧Medium Investment

Inland Flooding Mitigation

Install a smart sump pump with battery backup and extend downspouts 10ft from foundation.

Risk Score: 66.6

🌀High Investment

Hurricane Mitigation

Install permanent hurricane shutters or upgrade to impact-resistant windows.

Risk Score: 81.1

🏠Low Investment

Cold Wave Mitigation

General property maintenance and insurance review recommended.

Risk Score: 45.9

Methodology and Sources

Spatial Aggregation

Our "Atlas" risk scores are derived using a population-weighted spatial join. Because US Zip Codes and Census Tracts do not share perfectly aligned boundaries, a simple geographic average would be misleading. We utilize US Census Block Group population statistics to identify where residents actually live within a Zip Code. We then intersect these points with FEMA National Risk Index (NRI) hazard data to calculate a weighted exposure score.

Financial Projections (EAL)

Expected Annual Loss (EAL) estimates the average economic impact of natural hazards in dollars per year. This calculation incorporates three components: Exposure (the value of structures and agriculture), Annualized Frequency (historical probability), and Historic Loss Ratio (vulnerability of the area).

Primary Data Sources

FEMA National Risk IndexHazard frequency and loss data (v1.20.0)
U.S. Census BureauTIGER/Line 2025 Shapefiles & Decennial Population

Nearby Locations

Zip Code 06098 Zip Code 06791 Zip Code 06759 Zip Code 06756 Zip Code 06058 Zip Code 06057